12 Aug Pros and Cons of Retiring in Arizona

Are you wondering if Arizona is a good place to retire? Our answer would be a resounding “YES!” Not only is Arizona a tax-friendly state for seniors with a wide array of desirable cities, there are many other pros to settling down here for your golden years. 

Some consider it a retirement paradise with its sun-drenched mild winters and stunning desert landscapes. Arizona’s unique scenery provides an ideal backdrop for a relaxed and enjoyable retirement. But in addition to its natural beauty, the state also offers an array of senior-friendly communities with amenities like golf courses and social clubs.  

Picking out the perfect place to live isn’t the only essential decision at this phase in life. Remember, it’s crucial to have an estate plan in place if you’re nearing retirement. That being said, let’s take a closer look at the pros and cons of retiring in Arizona.

Pros of Retiring in Arizona

1. Mild Winters

We all know Arizona has a sunny climate. This means that winters are pleasant, with temperatures in Phoenix area usually fluctuating between 45℉ and 65℉. These mild winters can be a huge draw if you’re looking to escape the cold. 

The desert climate allows for many outdoor activities throughout the year. Some Arizona retirees enjoy golfing year-round. Hiking and exploring the many parks and nature reserves are also popular pastimes. One easy hike we love is the Overton Trail in Cave Creek Regional Park. It’s a 2-mile round trip with minimal elevation changes, making it an appropriate location for a moderate workout without strain. 

2. Taxes and Cost of Living

The cost of living here in Arizona is generally quite favorable compared to many other states, making it a budget-friendly choice for retirees. Arizona’s tax laws are favorable for retirees as well. There’s no state income tax on Social Security benefits, which can be a significant financial advantage.

Housing options are diverse and often more affordable, due to our relatively low property taxes. Phoenix, specifically, is a wonderful place to retire. Compared to many major metropolitan areas, Phoenix offers more affordable housing and has a variety of retirement communities to choose from.

3. Active Adult Communities

Last year (2023), over 25,000 seniors moved to Arizona. Arizona has over 150 active adult communities and retirement villages! The city of Mesa, in particular, is a popular place to relocate, and it has recently seen massive growth in its population of retirees.  

Arizona’s retirement communities are bursting with amenities that go far beyond just golf. You can find top-notch fitness centers, swimming pools, scenic trails, dance parties, yoga classes, art classes, pickleball courts, and more. 

Often designed to be walkable, many retirement communities feature pedestrian-friendly paths connecting you to a range of dining options, from casual cafes to elegant restaurants. Some also offer onsite spas, salons, charming shops, and health and wellness centers.

4. Transportation

Living without a car is certainly doable in Arizona, especially if you live in a metropolitan area like Tucson, Tempe, or Phoenix. Here are five ways you can get around the state without having to drive yourself:

• Bus system
• Light rail
• Paratransit services
• Shuttles in select retirement communities
• Ride-share services 

Cons of Retiring in Arizona

While our great state offers many benefits for those in retirement, we realize it’s not all sunshine and fun outings. It’s also important to consider factors such as extreme heat waves, which can be challenging for seniors. If you didn’t grow up in a desert climate, adjusting to a new way of life may take some time. 

1. Harsh Summer Weather

If you’re from Arizona, this doesn’t need any explanation—go ahead and skip to the next tip if you already live here. However, if you’re thinking about relocating to Arizona from another state, you should be aware of the extreme heat in summer months, especially from June to August. Temperatures can reach up to 118℉ on summer days in some parts of Arizona. 

For senior citizens and others sensitive to high heat, this often means a summer spent indoors. Getting used to the desert heat will take some adjusting. However, there are many indoor activities to enjoy like visiting air-conditioned museums, exploring botanical gardens, attending local theater performances, or taking art classes. 

2. Difficulty Traveling/Less Access to Amenities in Rural Areas

Many of the benefits that come from living in an active adult community won’t be available if you choose to live in rural Arizona. Some smaller cities, like Florence, do have a bus system provided by Sun Valley Express. But for others, like Eagar or Wickenburg, you will need a car to get out and about. If you like to explore and travel without having to drive yourself, stick to the Phoenix metro area. 

3. Population Influx During Tourist Season

Places like Phoenix and Scottsdale experience a significant influx of seasonal residents and tourists during the winter. If you’re seeking a bustling, busy place to retire, then tourists won’t bother you. However, if longer lines, crowded spaces, and congested traffic set you on edge, you may want to avoid the bigger cities in Arizona during the winter months.  

Estate Planning Experts in Arizona

If you’re in the process of planning your retirement, don’t forget to update your estate plan! And if you’re planning to move to another state when you retire, it’s also a good idea to check in with your estate planning attorney. 

Estate planning can be a confusing and overwhelming process. We’re here to make it easier on you and demystify the experience. The Phelps LaClair team can make sure all of your documents are in order and that your estate plan securely covers all of your needs. We have over 40 years of experience helping Arizonans manage their estate plans through every milestone in life. 

Even if you already have a will or living trust, you can still benefit from expert estate planning advice. We can help you avoid probate, reduce your taxes, and leave a lasting legacy. Schedule a free virtual or in-person consultation today—contact us or attend our next estate planning webinar to learn more.

Images used under creative commons license – commercial use (08.12.2024). Photo by Jared Murray on Unsplash